<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Pear Tree Mortgage Advice]]></title><description><![CDATA[Free mortgage advice. First time buyer, remortgaging and buy to let specialists. ]]></description><link>https://www.peartreemortgageadvice.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Thu, 16 Apr 2026 01:19:52 GMT</lastBuildDate><atom:link href="https://www.peartreemortgageadvice.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Separating and Your Mortgage: Buying Out a Partner, Transfer of Equity and What Happens Next.]]></title><description><![CDATA[A relationship breakdown can be hard enough at the best of times, one of the most worrying and important financial questions is: what happens to the property and the mortgage? Whether you’re looking to stay in the home, or move on, there are several routes available and the right solution will depend on a number of factors. In most cases, separating couples will either decide to sell the property and split the proceeds or for one of the parties to buy out the other’s share and remain in the...]]></description><link>https://www.peartreemortgageadvice.com/post/separating-and-your-mortgage-buying-out-a-partner-transfer-of-equity-and-what-happens-next</link><guid isPermaLink="false">69dced56c31b00fb85138a42</guid><pubDate>Tue, 14 Apr 2026 14:40:10 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0f8ea9_28c9ee6c01e44b15a7a7ce9fbcb5707e~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Russell Partridge</dc:creator></item><item><title><![CDATA[What Is a Decision in Principle (and Do You Need One?)]]></title><description><![CDATA[A Decision in Principle (DIP), sometimes referred to as an Agreement in Principle (AIP), or a Mortgage in Principle (MIP), is an initial indication from a lender of how much they may be willing to lend you based on a review of your financial situation and a credit check. It is NOT a formal mortgage offer but gives you a strong ideal of your borrowing capacity and helps demonstrate to estate agents and sellers that you are a serious buyer.   What does a Decision in Principle involve?  To issue...]]></description><link>https://www.peartreemortgageadvice.com/post/what-is-a-decision-in-principle-and-do-you-need-one</link><guid isPermaLink="false">69dcc31608699375c7afff95</guid><pubDate>Mon, 13 Apr 2026 10:36:49 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0f8ea9_5e621cfd992f41879ef283fc31fba79e~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Russell Partridge</dc:creator></item><item><title><![CDATA[WAR, What is it good for..?]]></title><description><![CDATA[There are many factors that affect a lender's decision to increase or decrease their rates of interest, and they don’t have to happen in the UK to influence what you pay on your mortgage. Increased periods of heightened geopolitical tension, such as what we are seeing in the Middle East, can create ripple effects that reach the UK economy very quickly. This uncertainty in global financial markets leads directly to increased interest rates, an increase in lender activity and a restriction on...]]></description><link>https://www.peartreemortgageadvice.com/post/war-what-is-it-good-for</link><guid isPermaLink="false">69cbad06e454e7df62540b6b</guid><pubDate>Tue, 31 Mar 2026 11:24:22 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0f8ea9_bfec35ef51bd4669818ba2ab6226dbba~mv2.jpg/v1/fit/w_900,h_900,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Russell Partridge</dc:creator></item><item><title><![CDATA[Remortgage Questionnaire]]></title><description><![CDATA[When you're remortgaging, your solicitor will send you a detailed questionnaire to better understand your transaction. Each firm structures these differently, but they generally cover similar questions.  At  first glance, the questionnaire can feel daunting, as there are often over 100 questions. However, these documents are usually designed as a “one size fits all” to cover many transaction types, so a large number of sections won’t apply to a standard remortgage. You’ll likely be able to...]]></description><link>https://www.peartreemortgageadvice.com/post/remortgage-questionnaire</link><guid isPermaLink="false">69c51bd89955c6925cb41a2e</guid><pubDate>Thu, 26 Mar 2026 11:57:34 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0f8ea9_f48aacc0638640b7b5d624e3a979c17f~mv2.jpg/v1/fit/w_1000,h_663,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Russell Partridge</dc:creator></item><item><title><![CDATA[Understanding the Remortgage  Process]]></title><description><![CDATA[Making the decision to remortgage your property is often lead by the opportunity to access a better rate of interest or borrow more money. Whilst a product transfer with your existing lender is straight forward and simple, a remortgage to a new lender involves updating some important legal documents. Your current lender will have a registered charge on your property deeds that you are unable to sell the property without them being informed. If we are changing the lender, we need to change the...]]></description><link>https://www.peartreemortgageadvice.com/post/understanding-the-remortgage-process-a-step-by-step-guide</link><guid isPermaLink="false">69c511ec5ed83abd8bbb833e</guid><pubDate>Thu, 26 Mar 2026 11:38:11 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/0f8ea9_2a8d636ad6674e868fd718c162f67f60~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Russell Partridge</dc:creator></item><item><title><![CDATA[What is a Mortgage? – A First Time Buyer's Guide]]></title><description><![CDATA[A lot of people that we speak with don't fully know what a mortgage is - only that they need one to buy a home. This guide explains the basics and helps you understand your options.   What is a Mortgage? A mortgage is essentially a long-term loan used to purchase land or property. The loan is ‘secured’ against the property itself so if you don’t keep up with the repayments the lender has the authority to take the house off you and sell it in order to pay off the debt. Most first time buyers...]]></description><link>https://www.peartreemortgageadvice.com/post/what-is-a-mortgage-a-first-time-buyer-s-guide</link><guid isPermaLink="false">698c9e1ba396cee89ab7cd87</guid><pubDate>Fri, 20 Feb 2026 15:13:09 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/nsplsh_4a58493241703864544e63~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Russell Partridge</dc:creator></item><item><title><![CDATA[The Purchase Process - A Basic Guide]]></title><description><![CDATA[When you purchase a property, you need a legal representative to guide you through the complexities of the process. If you are buying and selling, then it is always advisable to use the same legal firm to handle both sides of the transaction. Below is a basic step by step guide as to what you can expect on your journey, with some key milestones along the way. And so it begins Once you’ve decided on the best conveyancer to represent you, you will need to formally instruct them to act on your...]]></description><link>https://www.peartreemortgageadvice.com/post/the-purchase-process-a-basic-guide</link><guid isPermaLink="false">6989dba08a2b9bb7dbfe6c69</guid><pubDate>Wed, 11 Feb 2026 15:47:43 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_9dd7b9c0c24e485c8d7f208737d184a2~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Russell Partridge</dc:creator></item></channel></rss>